| Metric | The Murray Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.9% | -4.2 pts |
| Deposit growth (YoY) | +0.6% | +4.3% | -3.7 pts |
| Loan growth (YoY) | +4.8% | +5.3% | -0.5 pts |
| ROA | 1.82% | 1.28% | +0.5 pts |
| ROE | 21.3% | 12.5% | +8.9 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $534.1M | $476.7M | $403.2M | $48.4M | $5.0M | 1.82% | 3.73% | 1.50% |
| Q1 2026 | $550.9M | $487.6M | $400.2M | $46.6M | $2.7M | 1.99% | 3.72% | 0.50% |
| Q4 2025 | $548.7M | $487.6M | $398.7M | $44.3M | $8.7M | 1.65% | 3.58% | 0.47% |
| Q3 2025 | $539.2M | $479.1M | $391.7M | $43.2M | $6.5M | 1.65% | 3.52% | 0.51% |
| Q2 2025 | $530.5M | $473.9M | $384.7M | $41.0M | $4.2M | 1.62% | 3.44% | 0.51% |
| Q1 2025 | $515.9M | $470.9M | $380.7M | $39.0M | $2.0M | 1.53% | 3.33% | 0.03% |
| Q4 2024 | $513.1M | $472.7M | $369.2M | $36.6M | $5.8M | 1.18% | 3.03% | 0.03% |
| Q3 2024 | $510.5M | $455.8M | $360.8M | $36.2M | $4.0M | 1.09% | 2.97% | 0.03% |
Loan mix (Q2 2026): real estate $298.2M · commercial $67.9M · consumer $10.6M · securities $95.3M
| Ratio | The Murray Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.82% | 1.28% | 81st | |
Return on equity Annualized net income ÷ equity or net worth | 21.3% | 12.5% | 91st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.1% | 61.1% | 12th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Murray Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Murray Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | The Murray Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Murray Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Murray Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 1 county across 1 state (+0 vs 2025) · $476.7M branch deposits. Biggest market: Calloway, KY, ranked 1st with 38.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Calloway, KY | 3 | $476.7M | 38.64% | 1st |
Kentucky: 60th with 0.33% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (9 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).